Src refers to the source bureau for the tradeline.

Source Bureaus may include:

• EFX- Equifax 
• EXP- Experian
• TUC- TransUnion 
• CFX- Equifax Canada
• MTU- TransUnion Mexico

An Asterisk (*) following the source bureau code indicates that the identified bureau was the source of derogatory information. For example, EFX* suggests that there is a late payment, or other derogatory status, reflected in the tradeline and that the derogatory information came from Equifax. The Asterisk (*) is a helpful way to scan reports for derogatory information, while the Bureau source is helpful in viewing a report drawn from multiple bureaus merged together. For example, EFX*, EXP indicates that the information from the tradeline came from both Equifax and Experian, however it was only Equifax that was the source of any derogatory information.

Creditor Name refers to the name of the creditor providing the information to the bureau.

For example, Sears, Macys or American Express.

Industry refers to the operating industry of the creditor.

For more information on industry types, refer to the Industry Codes section within the Appendix.

Product refers to the product or service extended by the creditor.

For example, auto financing or bank credit card.

For more information on product types, refer to the Product Codes section within the Appendix.

In 1977, the Equal Credit Opportunity Act (ECOA) was declared a law. ECOA requires that each item in a credit file reflect whether it belongs to an individual or their spouse. That distinction has evolved to indicate whether the credit information belongs to an individual or is held jointly with someone else.

As a result, INDV reflects an individual’s account and JOINT reflects an account that is joint with someone else.

In a typical joint file, the subjects reflect both an individual and that individual’s spouse. However, it is possible for an individual to share a tradeline with someone else other than the spouse. In these cases, the JOINT distinction does not necessarily mean that the tradeline is shared with the spouse.

 A list of ECOA possibilities are displayed below:

Idnt refers to the sequence number of the individuals that are included in the credit report. Each unique individual is represented by an Idnt number. When reviewing a tradeline, the Idnt points to the consumer’s name in the identification section.

An Idnt number of 0 represents data that is not specific to a particular individual.

In a joint file, there can be more than one subject included in the report. Some bureaus may return other individuals that could be considered as matches. Information items related to the other individuals are known as fragmented files.

Fragmented files may be the same person as the primary subject and often are.

Open refers to the month and year the tradeline was opened.

In an instance where the exact month and year are unknown by the bureau, the format 5/YR or 10/YR may be used to indicate a time period exceeding five or ten years.

Balance refers to the credit amount remaining on the account.

Rptd refers to the most recent month and year the tradeline was reported to the credit bureau. This can be used to identify how current the tradeline information is.

If the exact month and year are unknown by the bureau, the format 5/YR or 10/YR may be used to indicate a time period exceeding five or ten years.

Cmop refers to the account’s Current Manner of Payment.

The Cmop field may reflect the following payment codes:

30, 60, 90 reflects the number of times a borrower has been 30, 60 or 90 days delinquent making a payment.

30, 60, 90 is also referred to as Buckets.

MR refers to Months Reviewed.

MR is used in conjunction with HistDate and Pattern to represent the number of months reflected in the Buckets and Payment Pattern.

HistDate refers to the most recent month and year of the account’s historical data.

HistDate is used in conjunction with the MR and Pattern data.

Pattern refers to the payment pattern on the account.

The payment pattern consists of two, 12 month columns of MOP (Manner of Payment) information.

The MOP information is similar to the information represented in the Cmop (Current MOP) field. The left column represents the MOP, as of the History Date, and each column to the right represents the previous months MOP.

The Pattern field may reflect the following payment pattern codes:

Type refers to the credit category in which the account falls.

The account type is assigned a three character representation of the type of credit reported in the tradeline.

The Type field may reflect the following account type codes:

Limit refers to the account’s credit limit.

For revolving account types, Limit reflects the highest amount of credit extended to the borrower.

Term refers to the original contract length. The length of term is represented numerically, while the term is represented in a one character code.

The Term field may reflect the following term codes:

Rate refers to the Last Delinquency Manner of Payment. This is the most recent delinquency relating to the last delinquency date.

The Rate field may reflect the following delinquency codes:

Acctcond refers to Account Condition Code. This is a textual representation of the tradeline’s current status.

The Acctcond field may reflect the following values:

• PAID 
• DEFERRED 
• FROZENCLSD
• BYCONS 
• CLSD BYCRED 
• INACTIVE 
• BANKRUPTCY 
• COUNSELING 
• ASSUMED 
• CANCELLED 
• FRAUD RPTD
• NEVER USED 
• CLOSED 
• REFINANCED 
• TRANSFERRED 
• LOST/STOLEN 
• TRANS/REFI 
• CLSD BYDFLT

Disp refers to Dispute Indicator. If a consumer files a dispute related to the tradeline, it is indicated in the Disp field.

The Disp field may reflect the following values:

• NO
• YES 
• UNK (Unknown)

Src refers to the Source Bureau.

Source Bureaus may include: 

• EFX- Equifax 
• EXP- Experian 
• TUC- TransUnion 
• CFX- Equifax Canada 
• MTU- TransUnion Mexico

An Asterisk (*) following the source bureau code indicates that the identified bureau was the source of derogatory information. For example, EFX* suggests that there is a late payment, or other derogatory status, reflected in the tradeline and that the derogatory information came from Equifax. The Asterisk (*) is also a helpful way to scan reports for derogatory information, while the Bureau source is helpful in viewing a report drawn from multiple bureaus merged together. For example, EFX*, EXP indicates that the information from the tradeline came from both Equifax and Experian, however it was only Equifax that was the source of any derogatory information.

Id refers to the sequence number of the individuals that are included in the credit report. Each unique individual is represented by an Id number. When reviewing a tradeline, the Id points to the consumer’s name in the identification section.

An Id number of 0 represents data that is not specific to a particular individual.

In a joint file, there can be more than one subject included in the report. Some bureaus may return other individuals that could be considered as matches. Information items related to the other individuals are known as fragmented files.

Fragmented files may be the same person as the primary subject and often are

Type refers to the category of public record recorded for the account.

For more information on public record types, refer to the Public Record Types section within the Appendix.

Current Status refers to the current legal status of the public record.

For more information on public record statuses, refer to the Public Record Status Codes section within the Appendix.

ECOA refers to the Equal Credit Opportunity Act identifier.

ECOA is a code that identifies the relationship between the public record item and the consumer.

The ECOA field may reflect the following ECOA codes:

For more information on ECOA codes, refer to the ECOA Codes section within the Appendix.

How Filed refers to the nature in which the public record was filed, either voluntary or involuntary.

An example of each is provided below:

• Voluntary- debt relief filed by the consumer. 
• Involuntary- judgment or tax lien filed against the consumer.

Derog refers to a Derogatory Public Record. An asterisk (*) indicates that a derogatory public record exists.

Not all public records are considered derogatory from a credit standpoint. For example, a divorce or other family matter might not represent an item that would have an effect on a credit decision, though they are a matter of public record.

The Account Matrix section displays the following:

• Counts Balances (outstanding balances) 
• Payments (current payments) 
• Now Curr (number of items current)
• Now Late (number of items late) 
• COff, Repo (number of items charged off or repossessed) 
• Clsd, Paid (number of items closed or paid) 
• LastDlq (most recent delinquency date)  N30, N60, N90+ (Number of times an account was 30, 60, or 90+ days late in a 24 month period)

The 24 month period can be controlled by an option to show a larger timeframe.

The Trade Activity section illustrates a historical timeline of the consumer’s credit file, revealing the following information: 

• Date the consumer’s credit file was born (InFile Since).
• Oldest and newest account dates and types. 
• A calculation of available credit, referencing how much available credit has been used, as well as the number of revolving accounts that are over limit.

The Public Records section displays: counts, the most recent date of public record, the amount of public record filed and the amount of public record owed, which are broken down into the following five categories:

• Bankruptcy 
• Civil Cases (divorce, judgments, etc.) 
• Tax Liens  Real Estate (foreclosures, etc.) 
• Other (all other types not listed above)

The Inquiries Section reveals the number of times a creditor has viewed a consumer’s credit file over the following time periods:

• Two weeks 
• One month 
• Two months 
• Three months 
• Six months

The two week count is most frequently used by automotive finance institutions as an indicator that a consumer is shopping for a big ticket item.

An ECOA code identifies the relationship between a public record item and the consumer.

The possible ECOA codes, their descriptions and a definition explaining each ECOA identifier are displayed below:

ECOA Code	Description	Definition
I	Individual	Consumer has contractual liability on the account and is the sole party responsible for payment.
J	Joint	Consumer has contractual liability on the account in conjunction with another party, typically a spouse. Both parties may be responsible for payment.
C	Co-maker	Consumer has co-signed on the account and has agreed to accept financial responsibility if the other party cannot make payments.
M	Maker	Consumer has contractual liability on the account and is responsible for payments. Another party has guaranteed the account (a co-maker) in the event that the consumer cannot make payments.
A	Authorized User	Consumer is authorized to use the account, but has no contractual liability. Another party is responsible for payments. This code is typically used for revolving charge accounts.
S	Shared	Consumer participates on the account, but not enough information is available to determine if the consumer has Joint responsibility or is only an Authorized User.
B	On Behalf Of	Consumer has co-signed on the account and has agreed to accept financial responsibility if the other party cannot make payments. This code is typically used when the other party is not a spouse.
T	Terminated	Consumer’s relationship and participation on the account has ended. This code is typically used when another party has assumed the account or as a result of a divorce.
X	Deceased	Indications are that the consumer is deceased.
U	Undesignated	Specific level of account responsibility is unknown.

An Industry code identifies the creditor’s operating industry.

The possible industry codes for a tradeline or inquiry and their descriptions are displayed below:

Product codes indicate the type of merchandise or service provided by the reporting creditor.

The possible product codes for a tradeline or inquiry and their descriptions are displayed below:

A Public Record Type refers to the category of public record recorded by the court or other repository of public record.

The possible codes for the ranges of public record types and their classifications are displayed below:

The following list represents the possible codes for the types of public records and their descriptions:

Public record types are identified for both USA and Canada.

The possible codes for the statuses of the public records, their descriptions and dispositions are displayed below:

Public record statuses are identified for both USA and Canada.